Last Updated: 05/14/2026
DCU Visa Platinum® Secured Credit Card
Unaffiliated
Last Updated: 05/14/2026
SuperMoney User Recommendation Score +71
Strongly recommended7 total votes
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Highlights
Community Rating
Strongly recommended
Purchase APR (Variable APR)
Starting at 11.50%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
Starting at 11.50%(Verified 06/21/2024)
Disclaimer popup with additional information
Credit Score Range
300 - 640
Annual Fee
$0
Number of Reviews
DCU Visa Platinum® Secured Credit Card Review
This is a secured credit card issued by Digital Federal Credit Union. If you're wondering whether DCU Visa Platinum® Secured Credit Card is the right card for you, read on.
Key Takeaways
- No annual fee. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card , but you don't have to pay an annual fee for the privilege.
- No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
- Accepts cosigners. Digital Federal Credit Union is one of the few credit card issuers that allows applicants to include a cosigner. Adding a cosigner can really improve your approval chances if your credit is not great.
- Secured card. This card requires a refundable deposit before you can use the account. Deposits are returned upon account closure after settling outstanding balances. These cards can help people with poor credit or little credit history build their credit.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of DCU Visa Platinum® Secured Credit Card
| The Good | The Bad |
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DCU Visa Platinum® Secured Credit Card FAQ
Does DCU Visa Platinum® Secured Credit Card have a cash back or rewards program?
No, it does not offer a rewards program.
| Description |
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for DCU Visa Platinum® Secured Credit Card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.DCU Visa Platinum® Secured Credit Card has a variable purchase APR starting at 11.50%. The card has a variable balance transfer APR starting at 11.50% . It also has a variable cash advance APR starting at 11.50% .
Note that late payments are subject to an APR of 18% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.Does DCU Visa Platinum® Secured Credit Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does DCU Visa Platinum® Secured Credit Card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for DCU Visa Platinum® Secured Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $35 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
Does DCU Visa Platinum® Secured Credit Card have a foreign transaction fee?
This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.What is the customer service phone number for DCU Visa Platinum® Secured Credit Card?
The customer service number for DCU Visa Platinum® Secured Credit Card is (800) 328-8797.
What is the support contact email for DCU Visa Platinum® Secured Credit Card?
The support contact email for DCU Visa Platinum® Secured Credit Card is dcu@dcu.org.
How do people rate the customer service and user experience of DCU Visa Platinum® Secured Credit Card?
Overall, DCU Visa Platinum® Secured Credit Card is strongly recommended based on community reviews that rate customer service and user experience.
Does DCU Visa Platinum® Secured Credit Card report your account activity to credit bureaus?
Yes, DCU Visa Platinum® Secured Credit Card reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does Digital Federal Credit Union perform a hard credit pull?
Yes, DCU Visa Platinum® Secured Credit Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for DCU Visa Platinum® Secured Credit Card
- Visit the website of DCU Visa Platinum® Secured Credit Card.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Contact
Headquarters
Hours of Operation
Sunday
Closed
Monday
9:30AM - 5:00PM
Tuesday
9:30AM - 5:00PM
Wednesday
9:30AM - 5:00PM
Thursday
9:30AM - 5:00PM
Friday
9:30AM - 5:00PM
Saturday
Closed
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users strongly recommend this product, giving it a user recommendation score of +71, or 4.4 on a 5-point rating scale.
+71
-1000+100
No one recommends
Everyone recommends
DCU Visa Platinum® Secured Credit Card Community Reviews
Would you recommend DCU Visa Platinum® Secured Credit Card to your friends?
JB
Joyace B.
Oct 13, 2022
May or may not recommend
It offers a nice interest rate and encourages saving by a person which gives more stability to ability to cover emergency situations
Natasha N.
Mar 2, 2022
May or may not recommend
I really like how there is no annual fee or hidden fees on anything with this card which is honestly hard to find these days.
APR is an average amount and the overdraft protection makes using it with peace of mind easy.
The card itself has a classy modern design style and it's easy to add and use with a mobile wallet!
VH
Victoria H.
Aug 26, 2021
May or may not recommend
I would gladly recommend this to someone who is in need to build their credit, though I am not too keen on putting a down payment on a line of credit. Though, if you are in need to build your credit it may be something to look into as a good baseline to start your road to financial recovery.
WA
William A.
Jun 13, 2021
May or may not recommend
if it is what it says i would happly share with someone
Matej K.
Jul 24, 2020
May or may not recommend
Yeaah absolutly would recommend and prepared credit score yes no?
AD
Andrew D.
Aug 17, 2019
May or may not recommend
Would like to get my credit build up really high
Ronny V.
Apr 2, 2018
May or may not recommend
A very good card with low interest and a very good Bank to work with. Ronny Vikstrom Acton.MA
Showing 7 of 7 reviews
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